Product manager. Curious by default.

Good is a
starting point.

I'm Hriday. I work on payments at Axis Bank.

I like following a problem past the screen, through the systems and decisions behind it, until the next move becomes clear.

A few things I've helped change

Cross-border payments
Embedded finance
Digital banking

Mumbai, India

Selected work 2024–2026

Embedded investing

What if the customer
never had to leave?

The funding journey

Inside the partner app

Start funding
Complete the journey

The banking works behind the experience.

Simplified customer flow

51%

native-journey completion

They came to fund an investment. We asked them to take a detour.

The old flow redirected customers out of their fintech app and into another login. Funnel analysis showed where that handoff was costing us.

I proposed a native journey, turned it into product requirements, and coordinated the partner APIs, testing and delivery with INDmoney, Vested and our internal teams.

27% to 51% completion.
90K native transactions, accounting for 71% of FY26 partnership transactions.

The decisions and the detail

My part

Funnel diagnosis, the native-journey proposal, requirements, partner alignment, API coordination, testing and launch readiness.

The decision

Remove the redirect and repeated login by bringing the journey into the partner experience. Coordinate the banking requirements behind that experience.

What the numbers say

Native completion reached 51% after six months, compared with the 27% redirection benchmark. The benchmarks describe different journeys; no controlled experiment is claimed.

The wider result

I co-led onboarding of ViewTrade, Appreciate Wealth and GlomoPay as the fintech network grew from 3 to 6 partners, supporting a portfolio of 10,000+ US-equity investors. Between FY25 and FY26, annual S0001 transactions increased by 141%, remittance volume by USD 40M, and FX income by 123%. These are team outcomes to which my product work contributed.

A small change, properly understood

Sometimes,
it's a middle name.

The customer had finished. The transaction still failed.

I traced an operations rejection pattern to names that didn't match between bank records and PAN. Something as small as a missing middle name could stop the transfer.

We added upfront capture of the customer's name as it appears on PAN and passed it through for comparison.

Why this worked

My part

Diagnosing the failure pattern and introducing the upfront PAN-name intervention.

The decision

Collect the information while the customer is still in the journey, so operations can compare the correct value downstream.

The result

Operations-stage rejections reduced by 12%. The figure is a relative reduction, not a percentage-point change.

Where the names stopped matching

Bank record

First Last

PAN record

FirstMiddleLast

Illustrative name structure

12%

fewer operations-stage
rejections

Retail outward remittance

A new home.
Every moving part.

Moving a banking journey means moving its dependencies with it. I led the product work from a legacy Internet Banking flow to a dedicated remittance platform.

The work behind the screen

  1. 01
    The customer path

    Discovery, wireframes and business requirements

  2. 02
    The connections

    OAuth-based SSO and downstream API dependencies

  3. 03
    The release

    Acceptance criteria, UAT and migration readiness

Internet Banking launched

7 July 202617% increase in journey completion
What ownership looked like

Through the launch

I defined customer flows, requirements and acceptance criteria, then aligned technology, business and control teams around integration dependencies, testing, approvals and migration readiness. The work included OAuth-based SSO to reduce login friction and support secure access.

After the launch

I raised 15 production defects and drove closure of 13 with engineering, QA, UAT and business teams. The new retail outward-remittance platform increased journey completion by 17%.

The part that makes the work real

Across the broader portfolio, I've coordinated a 16-member squad, defined requirements across 25 API endpoints, and helped deliver 36 production releases with 89% on time.

Backlogs, dependencies, reviews, testing, production issues. I stay involved through all of it.

More on delivery and operations

The API scope comprises 22 live endpoints and 3 in development. Delivery runs through two-week sprint line-ups, grooming, dependency management and release readiness.

Embedded-finance launches recorded zero critical incidents, zero rollbacks and zero regulator-reportable incidents. Recurring queries fell by 30% through product fixes, root-cause analysis and 3 SOPs.

I also delivered three FX Retail modules: customer registration, deal booking and deal utilisation, supporting outward remittance and forex-card reload.

Painted portrait of Hriday Mehta wearing glasses and a green shirt

Hriday Mehta / Mumbai

A little more me

I want to make things
worth using.

I'm trained in chemical engineering, studied finance and operations, and now work in product at Axis Bank. I spend a lot of time moving between the customer's problem and the machinery underneath it.

I care about whether the thing works all the way through. Who gets stuck? Which team inherits the problem? What happens the morning after launch?

I want the next thing I build to be better than the last. That means being willing to change my mind, make something, and put it in front of people.

The short résumé
Axis Bank Ltd.
Product Manager, Digital Banking & Transformation
July 2024 – Present · Mumbai
Great Lakes Institute of Management, Chennai
Master of Business Administration (Finance & Operations) · 2022–2024
CGPA 3.28/4
LJ Institute of Engineering & Technology, Ahmedabad
B. Tech (Chemical Engineering) · 2017–2021
CGPA 9.10
Certified Scrum Product Owner (CSPO)
Scrum Alliance
Recognition & campus involvement
Fresh Connection 2024 Global Finalist, Inchainge
ACTapult’22 Finalist, ACTFibernet
Member, Admission Committee
Download my CV (PDF)

Beyond the day job

I also make things.

There is something useful about having to make your own idea work.

Python / Trading systems

An algorithmic trading bot.

An ORB and VWAP intraday strategy on Zerodha Kite Connect, with automated stock screening, execution logic, scheduling and risk exits.

Prototypes / Product discovery

A working version of “what if”.

I use Cursor and Claude Code to build prototypes and test product concepts with stakeholders before committing engineering capacity.

More of what I'm thinking and building

SubstackGitHubLinkedIn